Quantitative Analysis of Investor Behavior

Fixing a Missed RMD in 5 Easy Steps

What is a missed Required Minimum Distribution?

RMDs must be taken by IRA owners beginning in the year they turn 70 1/2 and
by IRA and Roth beneficiaries beginning in the year after the death of the
account owner. RMDs not taken are subject to a penalty of 50% of the amount
not taken each year.

The Roth Conversion Decision Just Got Tougher

As much as we like Roth conversions and encourage individuals to convert,
we do realize that Roth conversions aren’t for everyone. There have always
been many factors to consider before doing a conversion. With the passage of
the 2012 tax act on January 2, 2013 and with the healthcare surtaxes taking
effect in 2013, there are now more factors to consider.

The Last Dow Record

Remember the world on Oct. 9, 2007? That was when the Dow Jones
industrial average last set a record high. It was a headier time back then:
pre-financial crisis, pre-bailouts, pre-Great Recession. A lot has changed
since then, but the Dow, a stock index that is followed as a gauge for the
rest of the market, hit its highest close, 14,253.77, on Tuesday, March 5th
2013.

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